A loan of $450 helped to pay for merchandise items and products needed in her business..


Irma's story

Irma is 55 and a resident of Caloocan City, Philippines. Her husband is an overseas contract worker. She manages their household while also running a direct-selling business. She sells clothing, footwear, undergarments, cosmetics and other products from popular brands like Avon, Fuller Life, Natasha, Boardwalk, Marikina Shoe Exchange and others. A customers order is bought in cash by the dealer and then given to the customer with a one-month-to-pay credit. Her prices are lower than those in the catalog, and this is how she earns a profit. Her regular customers are her neighbors and people in the local community. She earns a minimum of 2,000 Philippine Pesos (PHP) in sales every week.

To help her continue operating her business, she is requesting a PHP 19,000 loan. She will use the loan to buy merchandise and place orders for her customers. She expects a boost in her income as she expands her business, and hopes to continue growing her business in the coming years. She faithfully meets up with her co-fellowship members to share stories of her work every week and also draw strength and inspiration from her religion.

*All CCT community partners/clients are organized into fellowship groups that meet on a weekly basis. A fellowship group is composed of 15 to 30 community partners who meet weekly to study the Word of God, build social capital, and pay microfinance loans.



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